Broadcaster Press 9 December 12, 2017 www.broadcasteronline.com Join South Dakota 4-H On Social Media BROOKINGS, S.D. - South Dakota 4-H now exists on all the primary social media platforms: Facebook, Twitter, Instagram and Snapchat. "It's no secret that for an organization to be successful from a digital perspective engaging with consumers through social media is no longer an option, but a necessity," said Hilary Risner, SDSU Extension Regional 4-H Youth Program Advisor. "We look forward to getting social with you and don't worry we still enjoy face-to-face communication just as much as our online interactions." Through social media, Risner explained that 4-H hopes to be even more accessible to all audiences, including not only youth members, but also their parents and potentially grandparents whom have a social media presence. What do we share? Some things you can expect from South Dakota 4-H social media accounts are as follows: •Event dates, highlights, and registration deadlines. •Direct links to articles and news releases published on iGrow pertaining to the ever changing 4-H calendar. •Feature information highlighting the great work our membership is accomplishing. •Sharing of forms and resources necessary to 4-H operation. How can you find us? Find us on the following platforms at the indicated handles: •Facebook: Search "South Dakota 4-H" to interact •Twitter: Search "SDSUExt4H" to tweet with us •Instagram: Search "SDSUExt4H" to be a part of our insta-followers •Snapchat: Search sdsuext4-h to snap us "Just like any good organization, we love when you talk about us, but we hope that you keep us in the loop," Risner said. "Be sure to tag us and hashtag #SD4H so we know all the awesome things you are doing on behalf of 4-H." For any questions concerning the social Understanding The Acronyms Of Financial Professionals BROOKINGS, S.D. - If you've ever looked for a financial professional, you've probably encountered unfamiliar acronyms, also known as designations or credentials, following the candidates' names. "CPA, CFP®, CFA®, ChFC®: What do these letters mean and why are they important?" asks Lorna Saboe-Wounded Head, SDSU Extension Family Resource Management Field Specialist. "Anyone can call themselves a financial counselor, coach, advisor or planner, but a credential often demonstrates a higher level of education, specialty or commitment." She explained that in many cases, the credentialing process is like going to school for a specialized program. "That said, all credentials are not created equal," SaboeWounded Head said. A reputable certification program requires rigorous education and examination, field experience, an ongoing commitment to continuing education and abidance by a high code of ethics. "Some programs raise this standard by demonstrating compliance with an accrediting body," she said. For instance, in the field of financial counseling, coaching, and education, the Association for Financial Counseling and Planning Education® (AFCPE®) is one of the most respected organizations offering certifications. Association for Financial Counseling and Planning Education®also connects financial professionals across the continuum to ensure that individuals and families, like yours, can navigate the "alphabet soup" and have access to the highest standard of financial advice,at any stage of life. There are many financial designations, but the following are some of the most common and cover a range of services to meet the needs of most Americans: •AFC®-An Accredited Financial Counselor® has expertise across the client's entire financial life-cycle, so they are able to counsel clients at any point in their lives. An AFC® can help individuals and families successfully navigate a financial crisis, overcome debt, modify ineffective money management behaviors, build an effective spending plan and provide a strong financial education foundation to meet both short-term needs and long-term goals. •CFA® - A Chartered Financial Analyst® provides advanced investment analysis and portfolio management. Their studies include the mastery of investment tools and analytical methods in a variety of applications for effective portfolio management and wealth planning. •CFP® - The Certified Financial PlannerTM certification indicates that someone has in-depth theoretical and practi- cal knowledge of personal financial planning, tax planning, employee benefits and retirement planning, estate planning, investment management, and insurance and risk management. The CFP® requires field experience and successful completion of a comprehensive exam and is regulated by an oversight body, the CFP Board. •ChFC® - A Chartered Financial Consultant® covers the fundamentals of financial planning like a CFP®, but a ChFC is an advanced planning designation that also covers real-world, practical planning applications for special circumstances, including in-depth coverage of planning for business owners, single-parent and blended families, LGBT families and special-needs situations. •CPA - A Certified Public Accountant (CPA) is an accounting professional who has passed the Uniform CPA examination, administered by the American Institute of Certified Public Accountants, and also has met additional state certification and experience requirements. CPAs can work in any area of finance, including tax preparation, consulting, and of course, general accounting. •FFC™ - A Financial Fitness Coach™ has a strong financial knowledge base, coupled with the coaching skills and techniques that allow their client to be an active participant in creating solutions and a personalized financial plan. This certification may stand alone or be acquired as an enhanced skillset to a financial counseling or planning certification. •RICP® - A Retirement Income Certified Professional®offers focused expertise in retirement income planning, including structuring effective retirement income plans, mitigating risk to the plan and creating a sustainable stream of income to last throughout your retirement years. If you come across an unfamiliar designation, you can search its meaning and requirements through the look-up tool offered by the Financial Industry Regulatory Authority (FINRA). "When working with financial representatives, don't be afraid to ask questions about their credentials, including who issued them, what training and continuing education was required and how to verify their standing through an accrediting organization," Saboe-Wounded Head said. "A trustworthy financial professional will be glad to share more about his or her credentials." Understand the "menu." By familiarizing yourself with the "alphabet soup" of designations, you can find the perfect advocate to help you achieve your financial goals. If you have questions, contact Saboe-Wounded Head by email. media presence of the South Dakota 4-H program, please contact the EMAIL State 4-H Office 605.688.4167. More about South Dakota 4-H SDSU Extension's 4-H Youth Development Program is a partnership of federal (USDA), state (Land Grant University), and county resources through youth outreach activities of SDSU Extension. Youth learn and experience Leadership, Health and Wellness, Science and Ag-Vocacy through a network of professional staff and volunteers reaching more than 9,000 enrolled members with yearly programming efforts to an additional 35,000 youth participants. Outstanding USD Student Organizations Recognized SIOUX FALLS, S.D. – The South Dakota Board of Regents recognized student organizations from the University of South Dakota for their outstanding academic, community, and organizational work. USD student groups receiving awards were: • Award for Academic Excellence – The USD Speech and Debate Team is open to all undergraduate students who want to participate in competitive forensics. Students use competitive public speaking as a platform to form lasting friendships, while practicing the foundational habits of empathy, wisdom, moderation, and courage. Students on the team gain factual knowledge, learn multiple modes of persuasion, and practice communication skills daily, inside and outside of the classroom. • Community Service Award – Pi Kappa Alpha Fraternity seeks to develop integrity, intellect, and high moral character among its members. In 2016, the fraternity dedicated more than $25,000 to various charities and committed more than 8,000 hours to community service. Fraternity representatives report that the community service hours and philanthropic commitments by Pi Kappa Alpha alone were more than all other USD fraternities combined. • Award for Organizational Leadership – Women in STEM (Science, Technology, Engineering, and Mathematics) provides resources, networking, support, and encouragement to women in STEM fields. Efforts to dispel negative stereotypes and discrimination are also emphasized. The group seeks to advance gender equity while helping its members to emerge as the next generation of leaders in a variety of STEM fields. South Dakota Lottery Takes Part In Holiday Responsible Gambling Campaign PIERRE, S.D. – The South Dakota Lottery reminds citizens that scratch tickets are not suitable gifts for minors. In partnership with the National Council on Problem Gambling (NCPG), the South Dakota Lottery notes that providing scratch tickets to minors is risky. Research shows problem gambling can be established at a young age and lottery play is sometimes an introduction to these activities. Book 64 Easy Sudoku Puzzles by KrazyDad “While our scratch tickets are often exciting gifts for South Dakotans, we urge our players to take caution this holiday season when giving them.” Lottery Executive DirecSudoku #5 Sudoku #6 tor Norm Lingle said. “If you are giving any lottery product 2 9 1 7 9 as a gift,4 6 ensure the recipient is 18 or older.”5 please The NCPG’s annual responsible gambling campaign is 5 2 9 8 5 1 aimed at increasing public awareness about the impact lottery 3 7 4 2 of giftinglotteriesproducts to minors. South Dakota is one 4 8 3 of many throughout the world taking part in this transfers from Nebraska attending Dakota State University, year’s campaign. 5 2 4 8 1 3 1 5 6 Northern State University, South Dakota School of Mines & 9 Technology, South Dakota State University, and University 4 6 7 8 5 7 3 9 2 of South Dakota. • Resident tuition rate for first-time freshmen and new 5 3 4 9 6 2 1 6 4 transfers from Colorado and Montana attending Black Hills 1 3 1 3 4 State University. 7 2 Book 64: Answers 201 Sudoku Puzzles by KrazyDad Check Out The BroadcasterChallengingW Cherry Vermillion • Resident tuition rate for high-achieving first-time freshSudoku #1 4 Help Wanted Section! Sudoku #2 624-4429 6 9 men and new transfers from4 5 attending SDSM&T. Colorado 9 1 7 5 8 3 4 9 2 6 7 6 1 3 2 4 8 9 5 The rate applies to qualifying students with a minimum of a 6 8 7 4 2 8 6 5 9 7 3 1 9 4 3 2 3 8 2 3 21 2 5 194 55 6 4 9 7 3 3 5 9 7 1 8 6 4 2 6 27 ACT score and a 3.5 grade point average. © 2008 KrazyDad.com © 2008 5 4 6 3 1 7 9 KrazyDad.com 3 5 2 7 4 8 6 1 9 2 8 At the USD School of Law, the regents approved offering 7 9 4 6 1 3 2 5 8 9 1 3 8 7 2 4 5 6 the equivalent of resident tuition rates to high-achieving 6 8 1 5 2 9 roadcaster ress 6 4 7 1 9 5 2 8 3 7 3 4 law school students with a LSAT examination score of 155 4 6 7 3 8 1 5 9 2 5 3 4 2 8 6 9 1 7 Fill the puzzle so that every row, every column, 5 4 every 2 8 and 7 3 2 3 9 4 5 6 8 7 1 1 9 6 or higher. section8contain2the numbers 1-9 without 8 7 2 9 a number. 4 repeating 3 1 5 6 5 1 9 7#8 4 6 3 Sudoku #7 Sudoku As approved, the new rates apply beginning with the 2018-19 academic year. Special Non-Resident Tuition Programs Approved SIOUX FALLS, S.D. – Several tuition programs, aimed at recruiting non-resident students to South Dakota public universities, were approved this week by the South Dakota Board of Regents. While the board normally sets tuition rates in March, early approval of these specialized programs was granted to allow universities more time to recruit students from surrounding states. “Our universities continue to look for new opportunities to grow enrollments and better utilize capacity of existing campus facilities,” said Regents President Bob Sutton. “Bringing in more non-resident students helps lower costs for all students and also tends to grow our South Dakota workforce.” The undergraduate tuition programs approved will grant the equivalent of: • Resident tuition rate for first-time freshmen and new Annual Tuesday, March 27, 2018 Find the right job for you! bpp b Since 1934 Since 1934 8 4 7 3 5 6 6 2 9 1 7 2 1 3 9 4 6 8 7 2 4 7 8 4 9 8 5 5 The annual meeting of9 Clay-Union Electric6 be held will Tuesday, March 27, 2018, at the Gayville School gym 5 7 1 in Gayville, S.D. The business meeting will start at 6:15 © 2008 KrazyDad.com p.m. and last approximately one hour. The meeting will feature reports on financial and work activities of your cooperative and an election for a director from district 1 and district 2. Nomination petitions for districts 1 & 2 are now available at the office of Clay-Union Electric, Monday-Friday between 7:30am and 4:00pm. Petition filing deadline is at 4:00pm, Thursday January 26, 2018. Contact Mike Kjose, Member Service 624-2673 with any questions. Broadcaster Press P B b9 B5 p roadcaster bp B 9 6 1 Press 9 2 Sudoku #3 1 8 3 5 7 9 2 5 8 3 7 6 4 1 9 4 7 9 Since 1934 2 1 6 3 2 4 5 8 5 1 3 6 3 1 7 6 8 2 9 8 7 4 5 4 6 9 2 Since 1934 2 1 5 4 Press roadcaster 4 4 7 2 5 8 3 9 8 7 9 2 9 6 1 8 3 5 6 1 7 4 2 5 2 9 4 1 6 3 5 3 1 7 8 6 5 Sudoku #4 3 8 7 5 6 4 5 2 2 1 9 4 7 2 8 6 9 6 4 3 5 3 1 7 8 9 3 1 1 7 2 9 4 5 6 8 9 1 4 2 7 8 1 9 6 3 5 8 5 9 3 4 1 2 7 5 8 4 9 6 2 5 6 7 4 6 8 3 3 7 2 1 4 3 6 3 6 7 4 8 2 9 4 8 9 7 Sudoku #5 2 Sudoku #6 2 4 6 5 3 8 5 9 1 2 6 36 9 3 7 6 3 4 1 92 4 3 5 1 9 7 2 3 4 8 7 5 3 8 7 7 3 9 6 1 3 6 8 9 2 7 8 85173 6 5 9 2 1 3 2 5 8 4 6 2 7 61 4 2 9 9 5 2 75 4 2 7 3 6 1 3 8 9 1 5 4 8 7 8 6 4 2 1 6 5 8 4 7 3 8 8 5 4 6 easy 1 2 9 7 1 9 2 8 3 5 6 7 Last Tuesday’s Sudoku Solution #7 8 5 6 4 7 2 1 7 2 9 1 6 3 8 3 1 4 9 8 5 7 6 8 2 7 9 4 5 1 4 3 2 5 6 9 9 7 5 8 3 1 4 2 6 8 5 4 7 3 5 9 1 3 2 8 6 4 3 7 6 1 9 2 1 8 2 4 5 9 7 3 6 8 4 5 9 1 2 6 1 2 4 5 7 6 2 9 4 9 6 1 8 3 5 7 4 9 © 2008 KrazyDad.com 1 4 5 7 ea9BOOK 364 #8 2 6 8 8 2 4 6 5 7 3 9 1 7 2 6 3 7 3 4 8 2 1 su do ku Sudoku #8 8 2 6 4 9 KRAZYDAD.COM/PUZZLES 3 1 5 8 2 4 3 5 5 2 6 1 3 7 8 6 7 9 2 9 1 4 7 8 5 4 7 6 3 1 © 2008 3 5 8 7 2 KrazyDad.com 7 4 2 1 9 1 6 9 4 3 2 8 4 9 6 5 1 7 2 4 BOOK 64 6 9 3 8 5 #7 3 4 9 5 6 9 5 8 8 7 7 1 3 6 1 2 1 9 6 Check next Tuesday’s paper for the solution to today’s puzzle. ch 7 2 4 1 3 6 2 5 5 3 9 8 7 4 8